Does Car Insurance Provide Coverage for Windshield Damage?

Maintaining your vehicle is one of the many responsibilities associated with operating an automobile. Even so, there are still potential risks to look out for. Perhaps you’re driving one day, and floating debris cracks your windshield. Driving with a cracked windshield is extremely dangerous and may cause an accident. Here’s a look at how to proceed if your vehicle suffers a cracked windshield.

What are the Possible Causes of Windshield Damage?

  • Road Debris: You face different risks every day when you are out on the road. The most common source of windshield damage is floating debris. Airborne rocks and gravel from the road are also prevalent, and high speeds may cause them to chip your windshield on impact. Even minor windshield cracks should be taken seriously as they have the potential to spread and cause significant damage.
  • Temperature Changes: If you live in a region where the temperature fluctuates, your automobile is more susceptible to potential windshield damage than if you live in a more stable climate zone. Generally, windshield glass contracts and expands when seasonal changes occur. However, rapid temperature changes may also cause the glass to crack.
  • Poor Installation: An improperly installed windshield is vulnerable to damage. It’s recommended that you pay attention to blurry glass, waves, water leakage, gaps, and cracking sounds, as those are all signs that your windshield was not installed properly.

What Kind of Coverage Are Accessible for Windshield Damage?

    1. Comprehensive CoverageIf the damage was caused by a covered loss, comprehensive car insurance will cover windshield repairs and maybe replacement. Common examples include damage caused to windshield by inclement weather, animals, or falling objects. You should also be covered if your windshield was damaged due to an act of vandalism.
  1. Collision CoverageCollision car insurance covers the costs of repairing or replacing your windshield minus the deductible. This should give you peace of mind if you are involved in an accident and your windshield suffers serious damage.
  2. Liability CoverageLiability coverage does not protect you if your windshield is damaged. Liability coverage protects you by covering the potential costs if you are responsible for causing an auto accident. Liability coverage will also assist with legal fees if the injured party files a lawsuit against you. It covers the injured party’s medical bills if they are injured in the accident. However, if you are liable for the accident, you are responsible for any damage to your vehicle, including windshield damage.

Also Read: What Are the Steps to Follow If Someone Hits My Parked Car?

The Claims Process

Some auto insurance companies cover windshield repairs and replacements without you having to pay a deductible. If your insurance will cover the windshield repairs at no cost to you, it is recommended you file a claim as soon as possible. However, if your policy does require a deductible, in some cases, it may be more beneficial for you to cover your windshield replacement costs out of pocket instead of filing a claim.

Will Filing a Claim Impact My Insurance Premiums?

Generally, filing a claim to have your windshield replaced or repaired will not impact your auto insurance premium. However, things may be complicated if the repair costs are the same amount as your policy deductible. If you opt to file a claim in this situation, your monthly premiums may rise.

Money-Saving Tips for Your Auto Insurance

Consult With Pierce Insurance Group

Once your damaged windshield has been repaired, it’s recommended that you practice safe driving habits to prevent future issues. Every few months, you should also inspect your wiper blades for possible damage. Contact our team here at Pierce Insurance Group for any questions you may have, and we will gladly assist you.

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